in the philippines asks for to under dollars to buy fertilizer for her farm this woman asks for a loan to expand hurt business to sell bags assault it sounds nice who keeps track of the money? how do i know would goes to those people? will lie get paid back? the founder joined us from san francisco. had rino which cannot get scammed? >> we spend our time making sure the loans on the website are legitimate. we do it through three methods. we find local field partners to make sure their legitimate organizations they are the business plans of the men and women. a farmer in the philippines trying to buy a cow for a dairy business. they get on the website fr the local field partner. then there audited to make sure it is true. if not, then we shut them down. as you get to repaid you know, he business has earned enough money to pay you back. then you can withdraw the money back or landed to another entreprenuership. john: looking at the distance i would assume most do not get paid back? >> over the last seven years repayment is an 98%? that is hard to believe. why? >> the poorest people on the planet, a 2.